Midland, Michigan · Peer group 6
Members First Credit Union
Members First Credit Union holds $904.1M in assets across 67,425 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1936. Charter number 62076, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $904.1M |
|---|---|
| Total loans | $624.2M |
| Total shares (deposits) | $781.0M |
| Net worth | $80.8M |
| Members | 67,425 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.8% | |
|---|---|---|
| Loans | -3.1% | lower than 90% of its peer group |
| Deposits | 4.6% | around the 53rd percentile of its peer group |
| Members | 1.1% | around the 44th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 79.9% | around the 38th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.9% | around the 14th percentile of its peer group |
| Return on assets | -0.22% | lower than 98% of its peer group |
| Delinquency ratio | 0.66% | around the 54th percentile of its peer group |
| Cash / assets | 9.3% | around the 58th percentile of its peer group |
| Borrowings / assets | 4.4% | around the 73rd percentile of its peer group |
What this page does not show
Everything above is Members First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Arbor Financial Credit Union
KALAMAZOO, MI
$905.3M · 47,329 members
- Tlc Community Credit Union
Adrian, MI
$938.0M · 49,057 members
- Pfcu Credit Union
Portland, MI
$858.9M · 57,192 members
- True Community Credit Union
Jackson, MI
$953.2M · 81,734 members
- Alpena-Alcona Area Credit Union
Alpena, MI
$957.6M · 49,570 members
- Kellogg Community Credit Union
BATTLE CREEK, MI
$1.01B · 50,750 members
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